astrsk

This is mostly an IOPS dependent answer. Do you have multiple hot services constantly hitting the disk? If so, it can be advantageous to split the heavy hitters across different disk controllers, so in high redundancy situations that means different dedicated pools. If it’s a bunch of services just reading, filesystems like ZFS use caching to almost completely eliminate disk thrashing.

MoneyGuy has a great rule, 20/3/8. 20% down for no more than a 3 year loan term (36 months), with monthly payment being no more than 8% monthly gross. You could try to refinance with these in mind and see if you qualify, $16k left isn’t a terrible position, but it depends on what the value of the vehicle currently is. If you’re under water on it, you might have a difficult time refinancing in a worthwhile way.